<Anchor> This



is a friendly economic time.

Today (23rd) I will be with reporter Han Ji-yeon.

Lee Bok-hyun, chairman of the Financial Supervisory Service, once warned banks that they were selling interest.

Did the banks react after that?



<Reporter>



Yes, banks posted record earnings in the first quarter as their net interest margins grew thanks to the surge in household loans last year and interest rate hikes this year.



So, the Governor of the Financial Supervisory Service gave a guide to the interest business, and since then, it seems that banks are lowering the interest on loans one after another.



Nonghyup Bank will raise the preferential rate on jeonse loans by 0.1 percentage point from tomorrow.



In addition, Shinhan, Hana, Woori, and Kookmin Bank are also reviewing plans to lower lending rates.



K-Bank, an internet bank, was the first to respond earlier, and from then on, it decided to lower the fixed and variable interest rates of mortgage loans by 0.36 percentage points and 0.3 percentage points, respectively.



Jeonse loans were also lowered by 0.41 percentage points for general Jeonse and 0.32 percentage points for youth Jeonse.



<Anchor>



There is a reaction from the market.

However, given the market's reaction like this, there are also criticisms that the government is too intervening in the market.



<Reporter>



Yes, banks have said that this rate cut is "to reduce the burden on customers", but it appears that they are showing a low stance right after the FSS's remarks.



That is why there is talk of market intervention. Nevertheless, it is true that the pursuit of profit was excessive as banks raised the deposit rate by a small margin compared to the loan rate.



In addition, the loan interest rate reached the highest 7% per annum due to unprecedented inflation and global tightening.



There is also a forecast that an 8% annual rate will open for the first time in history if the base interest rate is further raised in the future.



However, on the other hand, there is talk of the need to take responsibility for the loan because asset values ​​such as house prices have risen that much.



<Anchor>



The discussion on the minimum wage for next year seems to start in earnest from today. How much is the labor community demanding?



<Reporter>



Yes, I suggested 10,890 won per hour, which is 1,730 won, which is 18.9% higher than this year's minimum wage of 9,160 won.



Calculated as a monthly salary, it is about 2,276,000 won.



The argument is that the minimum wage should reflect the guarantee of not only the worker himself but also the livelihood of his or her family.



Also, since inflation is so high now, a realistic impression is needed to prevent the polarization of wealth.



The minimum wage is decided by the Minimum Wage Committee by narrowing the gap based on the initial request submitted by both labor and management.



<Anchor>



Then, how much is the management thinking?



<Reporter>



Although an exact request has not been made yet, the position is that it will be difficult to raise next year due to business conditions such as a sharp rise in raw material prices.



While inflation has risen 9.7% over the past five years, the minimum wage has risen by 41.6%, the highest in the world.



[Café President: If (the daily turnover) is 500,000 won, the part-timer (wage) has to cut all the part-timers.

The price of coffee (beans) is also rising and raw materials are huge.

It should be a burden on consumers, but the backlash is huge.]



The current minimum wage level has already exceeded the policy goals of low-wage and unmarried workers, and the minimum wage of 18,90 won for next year proposed by the labor community is also absurd, far from economic reality. It is a demand proposal, but it is argued that a sharp increase in the minimum wage could lead to a reduction in employment.